Self-employed individuals can benefit from low rates and excellent mortgage options. These options provide fast approval, even for those who have been declined in the past. The mortgage options for self-employed individuals take into consideration their reduced taxable income from claimed expenses. If there are expenses that impact their qualifying income, a Stated Income mortgage can be useful. Dividend and investment income are also accepted, but stability and proof requirements must be met. To apply for these mortgage options, certain documents are required, such as the Notice of Assessment, T1 Tax Statement, proof of principal ownership in the business, contracts or financial statements, and a copy of the Article of Incorporation or business license. Access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers accepting reasonable income estimates, is available. Options tailored specifically for Business For Self (BFS) borrowers are also offered, so feel free to reach out for more information.